Cloud County, KS Mortgage Lenders & HMDA Data, 2020
In 2020, lenders reported 205 mortgage applications in Cloud County, KS totaling $19.0 million, down 11% from 2019. The average application was for $92,000, and applicants reported an average income of $69,000. 61% of applications resulted in an originated loan and 13% were denied. The most active lender was The Bennington State Bank, with 46 applications, followed by Mortgage Investment Services Corporation and Central National Bank.
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| Years | 2025 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 |
| Total Number of Mortgage Applications | 205 |
| Total Mortgage Loan Application Amount | $19,045,000 |
| Average Mortgage Loan Application Amount | $92,000 |
| Highest Mortgage Loan Application Amount | $365,000 |
| Average Applicant Income | $69,000 |
| Highest Applicant Income | $375,000 |
* Phone Numbers for Mortgage Lenders are available with a Data Download Report
| Mortgage Lender | Phone Number | Mortgage Lender Assets | Number of Mortgage Loan Applications | Total Dollar Amount of Mortgage Loan Applications |
|---|---|---|---|---|
| The Bennington State Bank 2130 SOUTH OHIO, P.O. BOX 1280 SALINA, KS 67402 |
* | $ 728,981,000 | 46 | $ 3,590,000 |
| Mortgage Investment Services Corporation 22316 MIDLAND DRIVE SHAWNEE, KS 66226 |
* | $ -1,000 | 27 | $ 2,745,000 |
| Central National Bank 100 RIMROCK DRIVE JUNCTION CITY, KS 66441 |
* | $ 947,909,000 | 23 | $ 2,035,000 |
| Kaw Valley State Bank & Trust 1015 KAW VALLEY PARK CIRCLE WAMEGO, KS 66547 |
* | $ 191,653,000 | 14 | $ 1,080,000 |
| United Bank & Trust 823 BROADWAY MARYSVILLE, KS 66508 |
* | $ 628,754,000 | 13 | $ 1,385,000 |
| Freedom Mortgage Corporation 951 YAMATO ROAD SUITE 175 BOCA RATON, FL 33431 |
* | $ -1,000 | 7 | $ 635,000 |
| PennyMac Loan Services LLC 3043 TOWNSGATE ROAD WESTLAKE VILLAGE, CA 91361 |
* | $ -1,000 | 5 | $ 545,000 |
| Mortgage Research Center 1400 VETERANS UNITED DR. COLUMBIA, MO 65203 |
* | $ -1,000 | 5 | $ 525,000 |
| Discover Bank 12 READS WAY GREENWOOD, DE 19950 |
* | $ 112,384,202,000 | 4 | $ 190,000 |
| Click N' Close, Inc. 15301 SPECTRUM DRIVE, SUITE 405 ADDISON, TX 75001 |
* | $ -1,000 | 3 | $ 245,000 |
| USAA Federal Savings Bank 10750 MCDERMOTT FREEWAY SAN ANTONIO, TX 78288 |
* | $ 88,826,789,000 | 3 | $ 255,000 |
| Truist Bank 3100 SMOKETREE CT FL 5 RALEIGH, NC 27604 |
* | $ 461,256,000,000 | 2 | $ 340,000 |
| Primary Residential Mortgage, Inc. 1480 N 2200 W SALT LAKE CITY, UT 84116 |
* | $ -1,000 | 2 | $ 280,000 |
| Newrez LLC FORT WASHINGTON, PA 19034 |
* | $ -1,000 | 2 | $ 190,000 |
| Heartland Credit Union 900 EAST 23RD AVENUE HUTCHINSON, KS 67502 |
* | $ 325,706,000 | 2 | $ 110,000 |
| UMB Bank NA 1010 GRAND BLVD KANSAS CITY, MO 64106 |
* | $ 26,357,635,000 | 2 | $ 110,000 |
| US Bank, N.A. 425 WALNUT STREET CINCINNATI, OH 45202 |
* | $ 486,004,220,000 | 2 | $ 180,000 |
| Ks Statebank 1010 WESTLOOP PL MANHATTAN, KS 66502 |
* | $ 2,142,154,000 | 2 | $ 80,000 |
| Commerce Bank 922 WALNUT, TB 12-1 KANSAS CITY, MO 64106 |
* | $ 25,955,469,000 | 1 | $ 35,000 |
| Home Point Financial Corporation 1194 OAK VALLEY DRIVE, SUITE 80 ANN ARBOR, MI 48108 |
* | $ -1,000 | 1 | $ 105,000 |
| Cornerstone Home Lending, Inc. 1177 WEST LOOP SOUTH SUITE 200 HOUSTON, TX 77027 |
* | $ -1,000 | 1 | $ 55,000 |
| North American Savings Bank 12498 S 71 HIGHWAY GRANDVIEW, MO 64030 |
* | $ 2,503,779,000 | 1 | $ 135,000 |
| Flagstar Bank NA TROY, MI 49098 |
* | $ 23,234,514,000 | 1 | $ 75,000 |
| Farm Credit Mid-America, Aca 1601 UPS DRIVE LOUISVILLE, KY 40299 |
* | $ -1,000 | 1 | $ 265,000 |
| Oakstar Bank 1020 E BATTLEFIELD SPRINGFIELD, MO 65807 |
* | $ 995,772,000 | 1 | $ 255,000 |
| Gateway First Bank 244 SOUTH GATEWAY PLACE JENKS, OK 74037 |
* | $ 1,498,327,000 | 1 | $ 55,000 |
| Vanderbilt Mortgage and Finance, Inc 500 ALCOA TRAIL MARYVILLE, TN 37804 |
* | $ -1,000 | 1 | $ 125,000 |
| New Day Financial, Llc. 360 SOUTH ROSEMARY AVENUE SUITE 1900 WEST PALM BEACH, FL 33401 |
* | $ -1,000 | 1 | $ 225,000 |
| First National Bank of Omaha 1620 DODGE STREET OMAHA, NE 68197 |
* | $ 22,555,038,000 | 1 | $ 45,000 |
| loanDepot.com LLC 6561 IRVINE CENTER DRIVE IRVINE, CA 92618 |
* | $ -1,000 | 1 | $ 195,000 |
| Royal United Mortgage LLC 7999 KNUE RD. STE 300 INDIANAPOLIS, IN 46256 |
* | $ -1,000 | 1 | $ 65,000 |
| JPMorgan Chase Bank, NA 1111 POLARIS PARKWAY COLUMBUS, OH 43240 |
* | $ 2,337,646,000,000 | 1 | $ 125,000 |
| Fairway Independent Mort Corp 4801 S. BILTMORE LANE MADISON, WI 53718 |
* | $ -1,000 | 1 | $ 105,000 |
| Plains Commerce Bank 220 MAIN ST HOVEN, SD 57450 |
* | $ 707,275,000 | 1 | $ 145,000 |
| Navy Federal Credit Union 820 FOLLIN LANE VIENNA, VA 22180 |
* | $ 111,986,078,000 | 1 | $ 215,000 |
| Credit Union of America 711 W DOUGLAS WICHITA, KS 67226 |
* | $ 985,502,000 | 1 | $ 55,000 |
| Planet Home Lending, LLC 321 RESEARCH PARKWAY SUITE 303 MERIDEN, CT 06450 |
* | $ -1,000 | 1 | $ 95,000 |
| Churchill Mortgage Corporation 761 OLD HICKORY BLVD SUITE 400 BRENTWOOD, TN 37027 |
* | $ -1,000 | 1 | $ 55,000 |
| Leaderone Financial Corp. 7500 COLLEGE BLVD SUITE 1150 OVERLAND PARK, KS 66210 |
* | $ -1,000 | 1 | $ 125,000 |
| Wells Fargo Bank NA MINNEAPOLIS, MN 55415 |
* | $ 1,712,919,000,000 | 1 | $ 245,000 |
| PNC Bank N.A. 249 FIFTH AVE. MS P1-POPP-22-2 PITTSBURGH, PA 15222 |
* | $ 397,703,264,000 | 1 | $ 165,000 |
| Nationstar Mortgage 8950 CYPRESS WATERS BLVD. COPPELL, TX 75019 |
* | $ -1,000 | 1 | $ 105,000 |
| Caliber Home Loans, Inc. 1525 S. BELTLINE ROAD WILMINGTON, DE 75019 |
* | $ -1,000 | 1 | $ 65,000 |
| Amerisave Mortgage Company 1200 ALTMORE AVENUE BUILDING 2 SUITE 300 SANDY SPRINGS, GA 30342 |
* | $ -1,000 | 1 | $ 185,000 |
| Capitol Federal Savings Bank 700 S KANSAS AVE TOPEKA, KS 66603 |
* | $ 9,255,666,000 | 1 | $ 125,000 |
| The Farmers State Bank of Westmoreland 307 MAIN ST, PO BOX 330 WESTMORELAND, KS 66549 |
* | $ 186,475,000 | 1 | $ 35,000 |
| Northern Mortgage Services, LLC 3714 28TH ST SW GRANDVILLE, MI 49418 |
* | $ -1,000 | 1 | $ 75,000 |
| Endeavor Capital, LLC 14897 CLAYTON ROAD CHESTERFIELD, MO 63017 |
* | $ -1,000 | 1 | $ 125,000 |
| Azura Credit Union 610 SW 10TH AVENUE TOPEKA, KS 66612 |
* | $ 527,177,000 | 1 | $ 65,000 |
| Bank of the Flint Hills 806 W 5TH ST, PO BOX 226 WAMEGO, KS 66547 |
* | $ 303,957,000 | 1 | $ 105,000 |
| M&T Bank 701 SENECA STREET - SUITE 330N BUFFALO, NY 14203 |
* | $ 119,432,105,000 | 1 | $ 85,000 |
| Community First National Bank 215 S SETH CHILD RD MANHATTAN, KS 66502 |
* | $ 292,682,000 | 1 | $ 85,000 |
The tables below break down 2020 mortgage applications in Cloud County, KS by loan purpose, applicant race, loan type, outcome and denial reason. Click a column heading to sort.
Mortgage Loan Application Detail Totals for Cloud County, KS in 2020
Loan Purpose |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Home Purchase | 125 | $11,215,000 | $89,000 | $365,000 | $58,000 | $213,000 |
| Refinancing | 46 | $4,370,000 | $95,000 | $225,000 | $75,000 | $219,000 |
| Cash-out Refinancing | 24 | $2,770,000 | $115,000 | $255,000 | $107,000 | $375,000 |
| Home Improvement | 5 | $335,000 | $67,000 | $105,000 | $76,000 | $175,000 |
| Other Purpose | 4 | $270,000 | $67,000 | $95,000 | $78,000 | $94,000 |
| Not Applicable | 1 | $85,000 | $85,000 | $85,000 | $0 | $0 |
Applicant Race |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| White | 170 | $15,570,000 | $91,000 | $365,000 | $66,000 | $375,000 |
| Not applicable | 22 | $1,930,000 | $87,000 | $255,000 | $167,000 | $375,000 |
| Not Provided | 7 | $905,000 | $129,000 | $225,000 | $86,000 | $129,000 |
| Hispanic | 3 | $405,000 | $135,000 | $355,000 | $87,000 | $174,000 |
| Asian | 1 | $95,000 | $95,000 | $95,000 | $45,000 | $45,000 |
| Black or African American | 1 | $105,000 | $105,000 | $105,000 | $0 | $0 |
| Native Hawaiian or Other Pacific Islander | 0 | $0 | $0 | $0 | $0 | $0 |
| American Indian or Alaskan Native | 0 | $0 | $0 | $0 | $0 | $0 |
Loan Type |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Conventional (any loan other than FHA, VA, FSA, or RHS loans) | 130 | $12,590,000 | $96,000 | $365,000 | $78,000 | $375,000 |
| FSA/RHS (Farm Service Agency or Rural Housing Service) | 36 | $2,760,000 | $76,000 | $115,000 | $42,000 | $76,000 |
| VA-guaranteed (Veterans Administration) | 20 | $2,050,000 | $102,000 | $225,000 | $61,000 | $94,000 |
| FHA-insured (Federal Housing Administration) | 19 | $1,645,000 | $86,000 | $125,000 | $51,000 | $96,000 |
Outcome |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Loan Originated | 125 | $11,655,000 | $93,000 | $365,000 | $68,000 | $375,000 |
| Application Denied By Financial Institution | 27 | $1,895,000 | $70,000 | $195,000 | $57,000 | $129,000 |
| Application Withdrawn By Applicant | 23 | $2,285,000 | $99,000 | $285,000 | $72,000 | $213,000 |
| Loan Purchased By The Institution | 19 | $1,875,000 | $98,000 | $255,000 | $102,000 | $375,000 |
| Application Approved But Not Accepted | 7 | $735,000 | $105,000 | $265,000 | $74,000 | $164,000 |
| File Closed For Incompleteness | 3 | $535,000 | $178,000 | $225,000 | $92,000 | $118,000 |
| Preapproval Denied by Financial Institution | 1 | $65,000 | $65,000 | $65,000 | $30,000 | $30,000 |
| Preapproval Approved but not Accepted | 0 | $0 | $0 | $0 | $0 | $0 |
Denial Reason |
Total Number of Mortgage Applications | Total Dollar Amount of Mortgage Loan Applications | Average Mortgage Loan Amount | Highest Mortgage Loan Amount | Average Applicant Income | Highest Applicant Income |
|---|---|---|---|---|---|---|
| Not applicable | 111 | $11,605,000 | $104,000 | $355,000 | $73,000 | $375,000 |
| Debt-To-Income Ratio | 76 | $6,330,000 | $83,000 | $365,000 | $65,000 | $219,000 |
| Credit History | 7 | $405,000 | $57,000 | $75,000 | $62,000 | $106,000 |
| Collateral | 4 | $240,000 | $60,000 | $75,000 | $52,000 | $100,000 |
| Credit Application Incomplete | 4 | $360,000 | $90,000 | $125,000 | $49,000 | $58,000 |
| Other | 1 | $35,000 | $35,000 | $35,000 | $40,000 | $40,000 |
| Unverifiable Information | 1 | $35,000 | $35,000 | $35,000 | $65,000 | $65,000 |
| Insufficient Cash (Downpayment, Closing Cost) | 1 | $35,000 | $35,000 | $35,000 | $67,000 | $67,000 |
| Mortgage Insurance Denied | 0 | $0 | $0 | $0 | $0 | $0 |
| Employment History | 0 | $0 | $0 | $0 | $0 | $0 |
About this data: figures come from the Home Mortgage Disclosure Act (HMDA) loan application records that lenders file with the FFIEC each year, and count every application (approved, denied, withdrawn or purchased), not just closed loans. Applications reported at $100 million or more are left out of these totals.
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